SP 30yr AUS

Update: The Australian and New Zealand operations of Bibby Financial Services were acquired by Scottish Pacific Business Finance in late 2015 to create Australia’s largest non-bank invoice finance specialist. Welcome to our website.

About this page

The information on this page is relevant to clients of Scottish Pacific (BFS) Pty Ltd (Scottish Pacific) formerly Bibby Financial Services Australia Pty Ltd, which was acquired by Scottish Pacific Finance Group on 31st December 2015.

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BBSY (Bank Bill rate)

Scottish Pacific (BFS) Pty Ltd uses the Bank Bill rate (BBSY) in the calculation of its reference rate.
Past rates quoted for the BBSY can be found in the table below.

BBSY as at:                Reference rate

1/09/2019   1.0991%  6.0991%
1/08/2019   1.10%      6.10%
1/07/2019   1.45%      6.45%
1/06/2019   1.65%      6.65%
1/05/2019   1.6486%  6.6486%
1/04/2019   1.8296%  6.8296%
1/03/2019   1.892%    6.892%
1/02/2019   2.0650%  7.065%
2/01/2019   2.0930%   7.093%
3/12/2018   1.9300%   6.930%
1/11/2018   1.9100%   6.910%
2/10/2018   1.9200%   6.920%
3/09/2018   1.9100%   6.910%
1/08/2018   1.9300%   6.930%
2/07/2018   2.0600%   7.060%
1/06/2018   1.9200%   6.920%
1/05/2018   1.9500%   6.950%
3/04/2018   1.8900%   6.890%
1/03/2018   1.7600%   6.760%
1/02/2018   1.7300%   6.730%
2/01/2018   1.7600%   6.760%
6/12/2017   1.7100%   6.710%
1/11/2017   1.6600%   6.660%
3/10/2017   1.6550%   6.655%
1/09/2017   1.6500%   6.650%
1/08/2017   1.6450%   6.645%
3/07/2017   1.6650%   6.665%
1/06/2017   1.6700%   6.670%
1/05/2017   1.6700%   6.670%
3/04/2017   1.6800%   6.680%
1/03/2017   1.6800%   6.680%
1/02/2017   1.6700%   6.670%
3/01/2017   1.6900%   6.690%
1/12/2016   1.6700%   6.670%
1/11/2016   1.6700%   6.670%
3/10/2016   1.6600%   6.660%
1/09/2016   1.6750%   6.675%
2/08/2016   1.8150%   6.815%
1/07/2016   1.9020%   6.902%
1/06/2016   1.9050%   6.905%
2/05/2016   2.0750%   7.075%
1/04/2016   2.1450%   7.145%
1/03/2016   2.1400%   7.140%
1/02/2016   2.1033%   7.103%
5/01/2016   2.1050%   7.105%
1/12/2015   2.1100%   7.110%
2/11/2015   2.0700%   7.070%
1/10/2015   2.1100%   7.110%
1/09/2015   2.1000%   7.100%
4/08/2015   2.0950%   7.095%
1/07/2015   2.1100%   7.110%
1/06/2015   2.0850%   7.085%
1/05/2015   2.2450%   7.245%
1/04/2015   2.2350%   7.235%
2/03/2015   2.3450%   7.345%
2/02/2015   2.5350%   7.535%
5/01/2015   2.6900%   7.690%


Did you know your customers can pay by credit card?

Your customers can now pay by credit card by registering on our online payments portal.

About Scottish Pacific Business Finance

Established in 1988, Scottish Pacific Business Finance is Australia and New Zealand’s largest specialist provider of working capital solutions with a comprehensive range of debtor finance and trade finance facilities. For more information about Scottish Pacific please visit

Scottish Pacific SME Growth Index Now Released – Access your free copy here

Legal Disclaimer

Unless otherwise stated, the materials on these pages are directed solely at those who access this website in Australia. Scottish Pacific (BFS) Pty Ltd (hereafter referred to as Scottish Pacific) disclaims all warranties, expressed or implied, as to the accuracy of information contained in any materials on this site, and shall not be liable to any person for loss or damage which may arise from the use of any of the information contained in any of the materials on the site. Scottish Pacific’s registered office: Level 10, 418A Elizabeth Street, Surry Hills NSW 2010 Australia.

‘Client Portal’ Terms of Use
You must not access the Client Portal section of the website (“Client Portal”) unless you agree to be bound by the terms and conditions set out below. If you do not agree to these terms and conditions, you must not proceed with using Client Portal. These terms and conditions will govern your first and each subsequent use of Client Portal. For an explanation of the practices and policies of Scottish Pacific relating to the collection, use, and storage of personal information of users of collected through Client Portal, users should refer to the Privacy Policy of Scottish Pacific on this website.

Though Scottish Pacific will try to keep information on Client Portal up to date, there may be a time delay before Scottish Pacific can do so. Scottish Pacific accepts no responsibility regarding the accuracy of information that is provided by Scottish Pacific on Client Portal and use of such information is at your own risk. The foregoing does not in any way affect any of Scottish Pacific ‘s rights under its facility agreement with you to give you notices or vary the terms of your facility agreement.

Scottish Pacific reserves the right to make changes at any time, without notice, to any element of Client Portal. All content and functionality on Client Portal is provided "as is" and without warranties of any kind by Scottish Pacific, express or implied.

When you are invited to register for Client Portal, each registration is for a single user only. You must not share your user name and password with any other person or with multiple users on a network. Responsibility for the security of any password issued rests solely with you.

Scottish Pacific is not responsible to you or anyone else for any loss suffered in connection with the use of Client Portal or any of its content. This includes, but is not limited to, the transmission of any computer virus. Scottish Pacific recommends that prior to using any downloaded file, you carry out an appropriate virus check. You should take appropriate action to ensure that your access to, and use of Client Portal and other sites is protected against, and free from viruses, worms, trojan horses and other harmful and destructive material.

Scottish Pacific will not be liable to any party for any direct, indirect, special or other consequential damages arising out of any use of Client Portal, including, but without limitation, loss of profits, interruption of business, loss of data on your information handling system or otherwise, or loss arising from the use of Client Portal by someone who you have not authorised. This is even if Scottish Pacific has been expressly advised of the possibility of such damage. Scottish Pacific provides no representations or warranties, express or implied, including any implied warranties of the fitness Client Portal for any particular purpose.

If Scottish Pacific breaches any term, condition or warranty which is implied by law cannot lawfully be excluded, the liability of Scottish Pacific for a breach of the applicable term, condition or warranty is limited to, at the election of Scottish Pacific:

  1. the resupply of the relevant advice, service, recommendation or information; or
  2. the payment to you of the cost of having the relevant advice, service, recommendation or information supplied again.

All information or material sent by you to Scottish Pacific through Client Portal will be governed by these terms and conditions. You grant Scottish Pacific an unrestricted, irrevocable licence to use, reproduce, display, perform, modify, transmit and distribute that information or material that you send Scottish Pacific, for any purpose.

Scottish Pacific may at any time revise these terms and conditions. By using the Client Portal you agree to be bound by all revisions and you should therefore periodically visit this page to determine the then current terms which govern your use of the Client Portal.

This agreement is governed by and construed in accordance with the laws of New South Wales. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales. If any provision of this agreement is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of this agreement, which will continue in full force and effect.

A copy of our current terms and conditions for the use of the rest of Scottish Pacific website is displayed on its website at all times. The current terms and conditions for the rest of Scottish Pacific website are in no way limited or diminished other terms or conditions on the website and vice versa.



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         Industry Cash flow  Lender
      Award Winners 5 years in a row